By age 45, an individual has a 50 percent chance of having at least one disability that lasts 90 days or more. In fact, workers have a higher chance of suffering a long-term disability than of premature death during their career. Disability benefits protect your employees from a catastrophic loss of income when a disability makes them unable to work, or unable to work full-time.

Disability benefits generally fall into one of three categories:

  • Paid sick leave. No law requires employers to provide paid sick leave, but many provide up to two weeks’ paid sick leave per year or give employees “paid leave banks,” which they can use for any reason.
  • Short-term disability (STD) insurance. This is the most commonly found type of group disability insurance. STD plans typically have a waiting period of 0 to 14 days before a covered individual will receive benefits, and they provide benefits for a maximum of six months to one year.
  • Long-term disability (LTD) policies usually begin paying benefits 30 to 180 days after the disability occurs, once the covered individual has exhausted sick leave and short-term disability benefits.

Usually, group plans have very streamlined or no underwriting requirements so employees do not have to answer a lot of health questions. Your less-than-healthy employees will find it easier to obtain coverage through the group market than through individual policies. In addition, group coverage usually costs less than an individual policy.


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Disability Insurance

Companies We Represent For Disability Insurance
The Forker Company Represents Anthem

The Forker Company Represents Guardian

The Forker Company Represents Humana

The Forker Company Represents Mutual Of Omaha

The Forker Company Represents Principal

The Forker Company Represents United Healthcare

The Forker Company Represents Ameritas

The Forker Company Represents Companion Life

The Forker Company Represents Dearborn Group

The Forker Company Represents Illinois Mutual

The Forker Company Represents Voya Financial

The Forker Company Represents MetLife

The Forker Company Represents Prudential

The Forker Company Represents Reliance Standard

The Forker Company Represents Sun Life